FinDev Guide

Gateway Guide to Digital Finance

This month, explore the Gateway's resources on digital financial services
Community meeting. Girl on cellphone. Aurangabad, India. Photo credit: Simone D. McCourtie / World Bank

Digital finance represents a growing pathway towards financial inclusion that has the potential to reach more people, at a lower cost, and with greater convenience than traditional “brick and mortar” banking services. Different devices and channels, such as mobile phones, cards, point-of-sale devices, and networks of small-scale agents, allow financial service providers to reach more customers more easily. The range of institutions providing financial services has widened accordingly: mobile network operators, governments, and financial institutions, ranging from large commercial banks to microfinance institutions, have all begun to leverage the potential of digital financial services.

This month, the Microfinance Gateway has focused on digital finance with two high-profile interviews:

Now we bring you this Gateway Guide, with resources providing a global overview of the current state of digital finance for financial inclusion, as well as practical tools for the implementation of digital financial services. We invite you to review these most recent publications, as well as browse all the other 248 resources under our Mobile Banking topic.


Digital Financial Services and Risk Management Handbook

Comprehensive guide to the risks associated with implementation of digital financial services

An Introduction to Digital Credit: Resources to Plan a Deployment

A self-directed course for practitioners, regulators and others with an interest in digital credit

Guide to the Use of Digital Financial Services in Agriculture

Tool for identifying chronic value chain challenges and corresponding solutions


Research and Impacts of Digital Financial Services

Paving the way towards a new generation of products, policies, and strategies for financial services

Digital Finance for All: Powering Inclusive Growth in Emerging Economies

Quantifying the potential economic and social impact of digital finance

The Proliferation of Digital Credit Deployments

Overview of fast-evolving environment of digital credit and its impact on financial inclusion

2015 State of the Industry Report on Mobile Money

Tracking the growth of digital financial services


OTC: A Digital Stepping Stone or a Dead End Path?

Looking at the pros and cons of the over-the-counter model in mobile money account adoption

A Quantum Leap Over High Hurdles to Financial Inclusion: The Mobile Banking Revolution in Kenya

Examining the real impact of technological and business model innovations on poverty reduction

Are Mobile Money Wallets Really Customer-Centric?

Findings from a survey of customer experiences in rural and urban India

The Potential of Using Digital Financial Services for Savings Groups in Bangladesh

Insights for the development and efficient delivery of group savings products

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